Table of Contents
| Basic information |
| address: head office 15/F, China Taiping Financial Centre, 18 King Wah Road, North Point Branch Office 1/F, Parker Commercial Centre, 2-8 Parker Street, Jordan, Kowloon Telephone: (+852) 3716 1616 e-mail: [email protected] website: https://www.hk.cntaiping.com |
Domestic Helper Comprehensive Insurance
"With a domestic helper by your side, life becomes more comfortable." Domestic Helper Comprehensive Insurance is an excellent and comprehensive insurance plan that benefits both employers and their foreign domestic helpers. This plan not only protects employers from the employee compensation liabilities required by law, but also provides foreign domestic helpers with medical treatment, dental care and hospitalization expenses, which is affordable and economical.
Coverage
Employer Responsibilities:
The employer's responsibilities to protected domestic helpers under the Employees' Compensation Ordinance and common law in Hong Kong.
The maximum compensation amount is HK$$100,000,000 per accident.
Medical expenses:
Medical expenses incurred by the protected domestic helper due to personal injury caused by illness or accident as follows:
1. Outpatient medical expenses: up to HK$$150 per day;
2. Fees for trauma or physiotherapy after being treated by a registered doctor recognized by law:
Maximum HK$100 per day (HK$500 per year).
The maximum total compensation within the 12-month insurance period is HK$$2,000.
Surgical and hospital expenses:
Medical or surgical expenses incurred by the protected domestic helper due to bodily injury caused by illness or accident and requiring hospitalization:
1. Hospitalization fee: up to HK$$300 per day;
2. Surgical operation fee: up to HK$$10,000 per operation;
3. Anesthesiologist fees: HK$25% per surgical operation, but not more than HK$$2,500;
4. Operating room charges: HK$12.5% of the surgical operation fee, but not exceeding HK$$1,250.
The maximum total compensation within the 12-month insurance period is HK$$20,000.
Dental expenses:
The protected domestic helper will be compensated for two-thirds of the medical expenses incurred due to dental diseases, with a maximum total compensation of HK$$1,500 within the 12-month insurance period.
Personal Accident Protection Benefits:
If a protected domestic helper suffers a non-work-related bodily injury during leave, which results in death or permanent disability within 12 months, the maximum compensation he or she can receive is as follows:
| Main coverage | Maximum compensation amount (HK$) |
|---|---|
| Accidental Death or Total Permanent Disability | 100,000 |
| Loss of any two or more limbs | 100,000 |
| Blindness | 100,000 |
| Loss of one limb and one eye | 100,000 |
| Loss of a limb or blindness of an eye | 50,000 |
Interruption of Service Cash Allowance:
Cash compensation for the interruption of service of the protected domestic helper due to hospitalization, which requires the hiring of a replacement domestic helper. Starting from the fourth day, the employer can receive a cash allowance of HK$$200 per day. The maximum total compensation within the 12-month insurance period is HK$$4,000.
Repatriation costs:
Compensate the policyholder for the actual expenses incurred in repatriating the protected domestic helper to his/her place of origin due to the death of the protected domestic helper or the helper being unable to continue working due to medical reasons. The maximum total compensation within the 12-month insurance period is HK$$20,000.
Re-employment costs for domestic helpers:
Reasonable and necessary expenses incurred in hiring a new domestic helper due to the serious illness, serious injury or death of the protected domestic helper and the need to send him back to his place of origin, the maximum compensation within the 12-month insurance period is HK$$3,000 per year.
General Exclusions
1. Exclusions applicable to all benefit items:
War and related risks, suicide, pregnancy or childbirth, alcoholism, or taking narcotics or drugs not prescribed by a legally recognized registered medical practitioner, AIDS or its related symptoms, injuries or diseases existing before the effective date of the insurance, and injuries, diseases or death caused by accidents occurring outside Hong Kong.
2. Specific exclusions applicable to individual benefit items:
(1) Employer's liability
Pneumoconiosis, mesothelioma, occupational deafness, nuclear radiation, and fines that employers must pay for failure to pay work injury compensation on time under the law.
(2) Personal accident insurance benefits
Any form of racing or riding competition and any underwater activities that require the use of oxygen equipment to assist breathing. Injuries suffered by the protected domestic helper other than on his/her rest day.
(3) Outpatient medical expenses, surgical procedures and hospitalization expenses
Mental illness, venereal disease, congenital anomaly or deformity, infertility, sterilization, heart disease, cancer, convalescent treatment, medical examination, cosmetic or plastic surgery (but excluding orthopedic surgery resulting from an Injury covered under this Policy).
(4) Dental expenses
Oral examination, teeth cleaning, teeth grinding, installation of crowns, bridges, braces and dentures, etc.
(5) Repatriation expenses
Incidents occurring outside Hong Kong resulting in the return of domestic helpers or their remains to their place of origin.
Age limit for domestic helpers
18 to 65 years old.
Waiting period for exemption
The first fifteen days from the policy commencement date for the protected domestic helper is the insurance company's waiting period for exemption from liability. During the period, items 2, 3, 4, 6 and 8 of the policy coverage will be suspended.
24-hour support service
When the policyholder (employer) purchases our domestic helper comprehensive insurance, he or she will automatically be entitled to the 24-hour assistance service and other services listed below provided by International Assistance (Asia) Co., Ltd. (IPA).
24-hour hotline, providing overseas employment information.
Support services for arranging emergency transportation: medical evacuation; medical repatriation; transportation of remains or ashes, etc.
And other general support services
For the sake of you and your domestic helper, please complete the insurance application form and return it to China Taiping Insurance (Hong Kong) Limited for processing.
Enquiry hotline for this insurance plan: 3716 1616
* This page is for general information only. Please refer to the insurance policy for details of the terms and conditions.
